MicroLens AI. Ask your loan book anything.
MicroLens runs inside your own data centre and works from your core banking data. It answers questions in plain language, scores risk and explains each score, forecasts PAR, and drafts a board pack from your actual numbers.
Every answer comes with its working.
Answers in plain English, risk scores with reasons, and forecasts with confidence bands, all calculated inside your own data centre.
Good morning, Jane
Ask MicroLens
3 of 14 branches are above the 5% threshold. The main driver is agri-input loans disbursed in May, now past the harvest repayment window.
| Branch | PAR30 | Δ 30d |
|---|---|---|
| Kitale | 7.8% | +1.9 |
| Eldoret | 6.1% | +0.8 |
| Nakuru | 5.4% | +0.3 |
Early-warning risk radar
PAR30 forecast · next 4 months (%)
Board pack · Q3
PAR30 fell from 5.9% to 4.7%, driven by recoveries in the Nairobi and Mombasa clusters. Agricultural exposure in the North Rift remains the principal risk…
Written by AI from your figuresScreens show sample data.
From the ledger to an answer the board can use
MicroLens sits next to your core banking system, reads the records, and gives each level of the organisation the view it needs.
Executive dashboard
The KPIs your MD checks every morning, plus a daily strip where MicroLens points out new risks and good news without being asked.
Ask MicroLens
Type “Which branches have PAR above 5% this month?” and get the answer with its working shown. You don't have to wait for an analyst to run a report.
Risk radar
Every client gets a default-probability score. Each score is broken down factor by factor, in percentage points, with a suggested next step.
Client 360
The full history of each client: repayments, arrears, officer field notes and interventions. If your team saved a loan from write-off, it's on record.
Forecasts
PAR projections if nothing changes, collections outlooks, and loan-loss provisioning compared against the standard rule.
AI board pack
One click pulls together the month's actual figures and writes a narrative for the board. The numbers come first and the text is built on them.
Your data stays in the building
- It runs on your premises. With the in-house AI option, no record leaves your building. Regulators like hearing that.
- Cloud AI if you'd rather. If you want the strongest answers from a cloud AI service, you can switch it on. It's your call.
- Read-only. The AI can look at your loan book but has no way to change a record.
- Every score is explained. Each risk score comes with its factor breakdown, so the credit committee can stand behind every decision.
The essentials
| Who it's for | Banks, microfinance institutions and SACCOs |
| Where it runs | Inside your own data centre, next to your core banking system |
| AI options | Fully in-house AI, or a cloud AI service if you prefer |
| Safety | Read-only. It can look at your data but never change it |
| Risk scores | Transparent, with the reasons behind every score |
| Reporting | Live dashboards and a one-click board pack |
| Works with | Felmu CBS, and can be adapted to your current core system |
Try MicroLens on your loan book.
The demo takes five minutes: the dashboard, a live question in plain English, a risk score with its explanation, and a drafted board pack.